We dive into one of the most stressful and expensive parts of American life: healthcare.

• Why are families paying $48,000 a year just to stay insured?

• Why does the system feel so broken?

• Is there another way?

To help us figure it out, we sat down with Moishe Katz, the CEO of United Refuah Healthshare.

It’s one of those episodes that makes you say, “Wait… how did I not know about this sooner?”

👉 Explore all the links & resources in this episode below.

✬ SPONSORS ✬

► TWILLORY – Grab year-end deals and bundled savings at https://Twillory.com/KosherMoney - No promo code needed!

► THE DONOR'S FUND – The Donor’s Fund gives you one place to manage all your giving, with a sleek app and smart tools that make donations strategic and seamless. 🎁 Open your free account today: https://thedonorsfund.org/koshermoney

► BITBEAN – Turn your big ideas into custom software that scales. BitBean builds tools that make business smarter. Learn more: bitbean.link/4edg53

► COLEL CHABAD – Supporting families in Israel since 1788. Give today and make a real difference: https://ColelChabad.org/KosherMoney - Oh, and grab tickets for the Nafshi concert here: https://colelchabad.events/

✬ LINKS FROM EPISODE 103 ✬

United Refuah’s website: https://unitedrefuahhs.org/

Email: info@unitedrefuahhs.org

For doctors interested in being added to United Refuah’s preferred provider network: preferred@unitedrefuah.org

Eli referenced a video of a Dr. Potter: https://youtu.be/tsvAatLY5s4

CHAPTERS:

00:00 Intro

01:01 Americans Are Spending So Much on Health Insurance

01:48 The Stats

02:43 Health Insurance Costs

04:06 What a Health Share Is

05:16 Why United Refuah Started

10:06 How the Health Share Model Works

15:30 Making Sure Everyone Gets Care

17:32 Self Pay vs Insurance

19:40 Understanding the Costs

20:20 Its Many Members

20:50 What Happens When More People Join

23:15 Twillory

24:28 The Donors’ Fund

26:48 Incentives for Bringing in New Members

29:05 Increasing Staffing at United Refuah

29:45 What Is the Catch?

32:46 Preexisting Conditions and Family Members

34:17 Other Downsides of Healthshares

37:19 Keeping Track of Payments

39:28 Communicating with Providor

42:18 Typical Out of Pocket Costs

45:35 Determining Fair Prices

46:35 How to Protect Yourself From Overpaying

48:28 BitBean Uses AI to Help Your Business

49:16 Colel Chabad Helps Feed Thousands

51:14 Are Contributions Tax Deductible

52:10 Health Shares and Medication Costs

55:02 Pregnancy and Growing Families

58:10 Dental and Vision Sharing

01:00:30 Doctors Joining the Referred Provider Network

01:00:41 Surveying the Members

01:01:40 Gifting Memberships

01:02:08 Know Your Plan and Deductibles

01:07:47 Never Be Afraid to Ask for Discounts

01:10:10 Member Access to Telehealth

01:10:35 Reaching Out for Medications

01:11:04 Where CPAP Machines Fall

01:12:00 How United Refuah Compares to Other Healthshares

01:14:12 “We’re All In This Together”

01:15:24 Sharing Health Messages With Members

01:16:56 Making Sure Everything Is Legal

01:18:17 Dealing With Emergencies

01:19:46 Reaching Out to United Refuah

01:20:23 How R’ Katz Got Into Health Care

01:22:22 Changing Your Mindset About Others’ Medical Costs

01:23:43 Outro

✬ RESOURCES ✬

Finally! Kosher Debt Help offers people honest, agenda-free guidance for Jewish families struggling with debt. Get an assessment and personalized direction at ⁠https://www.kosherdebthelp.com⁠

Get a free Jewish financial coach from the OU: ⁠https://livingsmarterjewish.org/⁠

Kosher ADHD helps Jewish families and educators better understand and thrive with ADHD through practical guidance and compassionate support. Visit https://kosher-adhd.com⁠ or order their book at ⁠https://kodeshpress.com⁠ using code ADHD25 for 25% off.

New website: ⁠https://www.livinglchaim.com/⁠

Support Kosher Money: ⁠https://www.livinglchaim.com/donate⁠

Reminder: This episode or description is not financial advice. Always do your own research.

#KosherMoney #LivingLchaim #KM

We take you out of town to Columbus, Ohio, one of America’s most surprising, affordable, and fast-growing Jewish communities.

If you’ve ever wondered what out-of-town Jewish life really looks like, this episode will open your eyes.

Rabbi Avi Goldstein and Meir Perlmutter share how Columbus became a thriving hub of Orthodox life, complete with kosher restaurants, strong schools, affordable homes, and a deep sense of connection.

We explore:

🏡 Why housing in Columbus costs a fraction of what it does in Lakewood or the Five Towns

💰 How families are saving tens of thousands of dollars in tuition in Ohio

👨‍👩‍👧‍👦 What it means to raise kids in a community where everyone knows your name

🌟 How two passionate community builders helped turn a small Midwest city into a center of Jewish growth

Columbus appears to offer a calmer, more intentional Jewish lifestyle with less financial pressure and more opportunities to start something big.

If you’ve ever said, “I could never leave the tri-state,” this episode might make you think again.

Visit https://www.columbuspathways.org/ to learn more.

You can also email Rabbi Goldstein at Rabbi@BJcolumbus.org or contact 614-448-8396.

And, no, this wasn't a paid episode. We don't do paid episodes. :-)

Here's our special episode with Rabbi Moshe Hauer zt"l: https://youtu.be/G2Xt_SGD5jw

✬ SPONSORS OF EPISODE 101 ✬

► TWILLORY – Premium menswear that works hard and looks even better. Use promo code CHAI20 at Twillory.com/KosherMoney for 20% off your first order.

► BITBEAN – Turn your big ideas into custom software that scales. Whether you’re in healthcare, finance, or retail, BitBean builds tools that make business smarter. Learn more: bitbean.link/4edg53

► EVERGREEN KOSHER – Your one-stop shop for all things kosher. Fresh, fast, and now delivering to more communities than ever before. Visit https://www.evergreenkosher.com/ or email online@evergreenkosher.com to get connected!

► COLEL CHABAD – Supporting families in Israel since 1788. Your donation makes a real difference. Give today: colelchabad.org/koshermoney

💬 Support Kosher Money and help us make more inspiring episodes: livinglchaim.com/donate

CHAPTERS:

00:00 Intro

01:13 Who Is Rabbi Avi Goldstein?

02:32 Finding Himself in Columbus, Ohio

03:20 How Meir Perlmuter Ended Up in Columbus

05:26 The Facts About Columbus

06:18 Orthodox Community That Got It All Started

08:06 What Jewish Life in Columbus Looks Like

11:23 The Number of Orthodox Jews in Columbus

12:10 Housing Costs in Columbus

14:03 Spreading the Word to Join the Community

17:04 Kosher Food & The Growth Mentality

20:58 Twillory’s High-Quality Clothing

22:23 BitBean Brings Your Ideas to Life

23:14 What Tuition Looks Like in Columbus

26:57 Resources in Schools for Special Needs

27:14 The Pace of Life in Columbus

29:54 Columbus Is Not a Cookie-Cutter Place

32:10 Emergency Services in Columbus

34:00 Why People Choose to Live Out of Town

36:29 How Can an Introvert Move Out of Town?

38:40 Columbus Is Not That Far

39:25 The Weather in Columbus, Ohio

39:35 No More State Income Tax?

40:00 Job Opportunities in Columbus

42:11 Women in the Workforce

42:54 Helping Each Other Get Jobs

44:02 Who Adapts Best to the Move

44:52 Evergreen Can Deliver to Your Community!

46:59 Colel Chabad Helps 1000s

48:13 Jewish Communities Communicating

50:05 Spending Shabbos in Columbus

53:34 The Uniqueness of Columbus

55:30 The Community Is Invested in Education

57:07 The Switch from New York to Ohio

1:00:02 Opportunity to Live a Happy, Fulfilling Life

1:02:17 Remembering Rabbi Moshe Hauer ZT”L

1:09:36 Where You Can Learn More

1:10:28 Outro: Takeaways + Sponsors + Subscribe!

🎓 Get free Jewish financial education resources: LivingSmarterJewish.org

📞 Call-in-to-listen Hotline: USA: 605-477-2100 | UK: 0333-366-0154 | Israel: 079-579-5088

📤 WhatsApp feedback: +1 (914) 222-5513

⚠️ Reminder: This episode or description is not financial advice.

#KosherMoney #JewishPodcast LivingLchaim

In this episode, you’ll hear the stories of people who finally got their budget under control, but are still staring at tens of thousands in old debt they can’t shake.

Debt advisor David Siegel explains the tough options left on the table: lowering interest through programs, negotiating settlements, or, when nothing else works, starting fresh with bankruptcy.

Contact David at DJS.Siegel@gmail.com

✬ SPONSORS OF EPISODE 99 ✬

► TWILLORY – Premium men's wear that works hard and looks even better.

Use promo code CHAI20 at

https://Twillory.com/KosherMoney for 20% off your first order

.► BITBEAN – Got big ideas but clunky systems holding you back?

BitBean is the go-to team for custom software that actually works for your business. Whether you're in healthcare, finance, or retail, they’ve built powerful platforms that scale smart.

Dive into real case studies and connect with their expert team here:

https://bitbean.link/4edg53

► ZStander – Beautiful Judaica and home pieces for everyday life and special occasions.

From wine fountains to candlesticks, honey dishes to bentchers, ZStander makes gorgeous items that are built to last and can even be personalized.

Use promo code KOSHER at https://zstander.com/discount/KOSHER for 10% off.

► COLEL CHABAD – Our brothers and sisters in Israel need us more than ever.

Every dollar makes a difference at https://colelchabad.org/koshermoney/

CHAPTERS:00:00 Intro01:21 Has America Lost Its Mind on Debt?04:28 Are Credit Card Companies Setting You Up?06:35 Who David Actually Advises08:09 The Shame People Feel Around Debt09:57 Making Sense of Debt in Simple Terms11:57 Why Budgeting Is the Key to Freedom14:01 How Money Problems Hurt Marriages16:31 Twillory Clothing Is Being Spotted Worldwide17:33 Bitbean + AI Innovation18:48 3 Practical Solutions for Debt19:35 How to Lower Your Interest Rate25:45 The Real Problems With DMPs29:00 Should You Consolidate Your Credit Cards?30:08 Going to a Gemach for Help32:12 More Ways to Cut Down Your Interest Rate33:27 Using a Home Equity Line of Credit (HELOC)36:35 Pros and Cons of a HELOC Explained39:10 Don’t Let Bills Control Your Life40:42 The Risks of Borrowing From Family42:42 Unique & Beautiful Judaica Items from ZStander44:45 Colel Chabad: Feeding Thousands of Families45:53 The Dangers of Debt Settlements51:40 Why You Should Start With a DMP52:43 What Bankruptcy Really Means54:21 Who Actually Qualifies for Bankruptcy56:50 Why You Shouldn’t Rush Into Bankruptcy57:22 Legal Steps When Filing for Bankruptcy58:36 Reasons Not to File for Bankruptcy1:01:35 Bankruptcy Issues in Orthodox Communities1:05:01 The Stigma: Bankruptcy vs. Settlement1:05:17 Why Using Credit Responsibly Matters1:06:41 How Shmittah Connects to Bankruptcy1:07:29 Don’t Run Away From Financial Problems1:08:01 The Living Smarter Jewish Resource1:08:54 How to Handle Medical Debt1:09:37 What’s Changing With Student Loans1:11:02 Fun Facts About David1:11:33 Where You Can Find David1:12:08 Outro: Final Thoughts + Prizes

• GET LIFE INSURANCE!

⟶ Project 120's site: https://www.theproject120.com/

• GET A WILL!

⟶ https://youtu.be/bHdpPuvKGVM

✬ Support the show! Help us create more episodes like this: https://www.livinglchaim.com/donate

💬 Need financial clarity? Visit LivingSmarterJewish.org for free resources.📲

Follow Kosher Money for bonus clips & behind the scenes:

TikTok: https://www.tiktok.com/@koshermoneypodInstagram: https://www.instagram.com/koshermoneypod

📞 Call-In-To-Listen Hotline:

USA: 605-477-2100

UK: 0333-366-0154

Israel: 079-579-5088

📤 WhatsApp feedback: 1-914-222-5513

⚠️ Reminder: This episode or description is not financial advice. Always do your own research.

#KM

In this episode, you’ll hear how Dovid Lichtenstein went from selling encyclopedias door to door to owning billions in real estate, and why he tore up a food stamp application instead of playing it safe.

Want to build wealth and keep your soul intact? Let’s get into it.

(And yes, he actually paid off a 100 million dollar personal debt. With one check.)

Watch more of Dovid's Jewish wisdom on Off The Page's pages!

Instagram: https://www.instagram.com/weareoffthepage/

TikTok: https://www.tiktok.com/@weareoffthepage

✬ SPONSORS OF EPISODE 98 ✬

► BITBEAN – Got big ideas but clunky systems holding you back? BitBean is the go-to team for custom software that actually works for your business. Whether you're in healthcare, finance, or retail, they’ve built powerful platforms that scale smart. Dive into real case studies and connect with their expert team here: https://bitbean.link/4edg53

► TWILLORY – Premium men's wear that works hard and looks even better. Use promo code CHAI20 at https://Twillory.com/KosherMoney for 20% off your first order.

► MIAMI LAKES – Looking to relocate to Florida without sacrificing space or community? Discover Miami Lakes, a hidden gem with a warm Orthodox Jewish community. Call Berel Follman at 631-485-4482 or check it out on Zillow. Great homes. Great people. A bright future be"H!

► COLEL CHABAD – Our brothers and sisters in Israel need us more than ever. Every dollar makes a difference at https://colelchabad.org/koshermoney/

Chapters:

00:00 Intro

01:10 Who Is Dovid Lichtenstein?

03:50 A Lesson in Valuing Money

04:48 Dovid’s Upbringing and Family Background

06:15 Life Right After Marriage

07:34 Everyone Needs to Write Their Own Story

08:13 Getting His First Job

09:22 Don’t Let Fear Rule You

11:44 Entering Real Estate

15:15 Everyone Was Brought Here for a Mission

16:04 BitBean, the AI Masters

17:18 High-Quality Clothes from Twillory

18:18 Looking Back at Life Before Work

19:37 Making Waves in the Business World

21:14 Leaning Into Fame and Fortune

24:20 You Are Not Your Money

24:54 Following the Trends of the World

25:40 Accumulating and Getting Past Credit Card Debt

26:45 The Decision to Leave Lakewood

28:20 The Power of Curiosity

31:27 Looking Back at Past Mistakes

34:03 Having the Confidence to Take Risks

38:42 Losing 100 Million Dollars

41:34 Getting Back Up After Crashing Down

42:45 Beautiful Homes for Sale in Miami Lakes, Florida

44:15 Colel Chabad Feeding Thousands of Families

45:22 The AI Revolution

46:06 Building His Company Back Up

46:50 Jumping on Different Investing Projects

48:45 Learning to Be Happy with What You Have

49:52 Realizing It’s Not All About Honor and Glory

52:06 Why Does Dovid Continue to Work?

56:01 Is AI Messianic?

56:39 Learning to Say I Don’t Know

57:42 Effort vs. G‑d Providing for You

1:01:44 Make Your Own Luck

1:03:48 Keeping His Family Grounded in Reality

1:05:55 Dovid’s Family Members’ Various Businesses

1:07:07 The Different Levels of Giving to Charity

1:10:37 Learning from Rabbi Y.Y. Jacobson

1:11:30 What Is Off the Page?

1:14:50 We Need to Be Louder and Kinder in Our Judaism

1:16:24 Outro

• ​GET LIFE INSURANCE! ⟶ Project 120's site: https://www.theproject120.com/
• ​GET A WILL! ⟶ https://youtu.be/bHdpPuvKGVM

✬ Support the show! Help us create more episodes like this: https://www.livinglchaim.com/donate

💬 Need financial clarity? Visit LivingSmarterJewish.org for free resources.

📲 Follow Kosher Money for bonus clips & behind the scenes:

TikTok: https://www.tiktok.com/@koshermoneypod

Instagram: https://www.instagram.com/koshermoneypod

📞 Call-In-To-Listen Hotline:

USA: 605-477-2100 | UK: 0333-366-0154 | Israel: 079-579-5088

📤 WhatsApp feedback: 1-914-222-5513

⚠️ Reminder: This episode or description is not financial advice. Always do your own research.

#finance #money #investing #financialfreedom #jewish #judaism #torah #JewishFinance #KosherMoney #LivingLchaim #WeAreOffThePage #DovidLichtenstein #wisdom #torah #Forbes #podcast

In this episode, I opened a retirement account live on camera, and by the end of this it you'll know more than 99% of your friends about investing. Ready to retire a millionaire? Let's dig in.(Please don't ignore this if you're young. I promise you'll thank us when you're nicely aged.)Shimon Willig's contact info: Shimon.Willig@mwminvest.com✬ SPONSORS OF EPISODE 97 ✬► TWILLORY – Premium men's wear that works hard and looks even better. Use promo code CHAI20 at Twillory.com/KosherMoney for 20% off your first order.► BITBEAN – Got big ideas but clunky systems holding you back? BitBean is the go-to team for custom software that actually works for your business. Whether you're in healthcare, finance, or retail, they’ve built powerful platforms that scale smart.👉 Dive into real case studies and connect with their expert team here: https://bitbean.link/4edg53► MIAMI LAKES – Looking to relocate to Florida without sacrificing space or community? Discover Miami Lakes, a hidden gem with a warm Orthodox Jewish community. Call Berel Follman at 631-485-4482 or check it out on Zillow. Great homes. Great people. A bright future be"H!► COLEL CHABAD – Our brothers and sisters in Israel need us more than ever. Every dollar makes a difference at https://colelchabad.org/koshermoney/CHAPTERS:00:00 Intro01:15 Who Is Shimon Willig?02:35 The Role of a Financial Advisor12:19 How These Firms Make Money14:58 Helping People Open an IRA17:16 High-Quality Clothes from Twillory18:17 BitBean: Industry Leader in Software Development19:33 Getting Started with Opening an IRA27:25 The Benefits of a Roth IRA29:46 Which Account to Open...33:45 Qualifying (Early) Withdrawals34:31 The Costs of Roth IRA + How They Make $$$36:35 What You Need to Open a Roth IRA36:50 Choosing IRA Beneficiaries43:06 Conversations with Parents About $$$46:44 Owning a Home in Miami Lakes, Florida48:12 Colel Chabad: Feeding Hundreds of Families49:23 Providing Personal Information and Authenticating Your Account52:57 Adding a Trusted Contact53:56 Adding Beneficiaries and Dividing Assets56:30 Adding Employment Information57:20 The Importance of Paper Documents58:15 Adding Trading Features59:39 Reviewing Your Information59:58 Reading and Agreeing to the Boring Stuff1:03:11 Adding Funds to Your Account1:04:54 Naming Your Accounts1:06:21 Setting Up Your Transfer1:07:44 Opening an Individual Brokerage Account1:11:28 Choosing a Retirement Age1:13:24 Tips on Investments and Assets1:17:34 What Is an Expense Ratio?1:19:26 Creating an Account for a Minor1:23:54 Automating Your Accounts1:26:12 VOO vs. SPY Expense Ratios1:28:10 What Is a Cowboy Account? 1:30:45 The Importance of Life Insurance1:31:21 Project120's Mission1:35:09 Outro

GET LIFE INSURANCE! ⟶ Project 120's site: https://www.theproject120.com/✬ Support the show! Help us create more episodes like this: https://www.livinglchaim.com/donate💬 Need financial clarity? Visit LivingSmarterJewish.org for free resources.📲 Follow Kosher Money for bonus clips & behind the scenes:TikTok: https://www.tiktok.com/@koshermoneypodInstagram: https://www.instagram.com/koshermoneypod📞 Call-In-To-Listen Hotline:USA: 605-477-2100 | UK: 0333-366-0154 | Israel: 079-579-5088📤 WhatsApp feedback: 1-914-222-5513⚠️ Reminder: This episode or description is not financial advice. Always do your own research.#RetireRich #MillionaireMindset #FinancialIndependence #InvestSmart #RothIRA #TraditionalIRA #WealthPlanning #MoneyTips #PersonalFinance #SmartInvesting #BuildWealth #RetirementPlanning #KosherMoney #JewishFinance #LivingLchaim